Over time, even well-kept Texas homes start needing little fixes here and there. For older adults, taking care of those repairs isn’t always easy, especially when mobility or health gets in the way. Families usually want a simple, stress-free way to help without taking away independence. That’s why elderly assistance for home repairs in Texas has become such a helpful option for many aging homeowners.
Some initiatives are available throughout the state, while others are administered through county or city governments. There are programs available specifically to senior homeowners, whereas others are available to a broader range of residents.
We’ve reviewed all the assistance for homeowners in Texas and came up with a guide to help you find the resources you need.
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Home repair assistance for seniors in Texas
Texas offers plenty of programs to help seniors fix up their homes. We’ve rounded up the agencies that can lend a hand. Each one works a little differently, with its own rules and options. Some are specifically for aging residents, while others are income-specific. Consider each option to get an idea of how you can keep your home safe and comfortable without breaking the bank.
Single Family Housing Repair Loans and Grants Program by the USDA
The USDA administers a slew of programs intended to keep residents healthy and happy in their homes so that communities remain strong. Through their Single Family Housing Repair Loans and Grants Program (sometimes called the Section 504 Home Repair Program), Texas homeowners in rural areas can apply for a loan, a grant, or both to maintain and modernize their home, and keep their home safe.
Seniors may apply for 20-year loans of up to $40,000 at a fixed interest rate of 1% to make necessary repairs or revamp their homes. Also, a grant of up to $10,000 may be given to elderly Texas homeowners to remove health and safety hazards.
Qualifications to apply for either option include being a homeowner and occupying the house full-time, being unable to find affordable credit anywhere else, and having a household income that is below the specified limit in your county. Use this map to find the limit for your county.
To apply for the grant, homeowners must also be 62 or older and unable to pay for the repairs needed on their own.
Texas Department of Housing and Community Affairs
The Texas Department of Housing and Community Affairs (TDHCA) administers several home repair programs, including the HOME Investment Partnerships Program. One of its key initiatives is the Homeowner Reconstruction Assistance (HRA) program, which helps families rebuild or replace homes that are unsafe, damaged, or no longer livable.
Whether it’s repairing a house, building a new one, or relocating a home out of a flood zone, HRA works to ensure homeowners have a safe and stable place to live. To qualify for the HRA program, your household income needs to be at or below 80% of the Area Median Family Income (AMFI).
Habitat for Humanity Texas
Habitat for Humanity runs all kinds of home building and repair programs to help make affordable housing more accessible in low-income communities. Across Texas, multiple local affiliates carry out this work at the community level. You can find your local branch on the website.
One of Habitat’s goals is to help residents age in place. Its Aging in Place program provides home repair assistance specifically to senior citizens. It combines a health or human services professional’s assessment with applicable home repairs, ensuring aging individuals can live safely and comfortably in their homes.
Meanwhile, Habitat for Humanity ReStores sells used and surplus building materials at a discount. If you need to DIY a repair, buying the supplies for less can help you stay on budget and avoid overspending.
Texas senior citizens can contact their local Habitat for Humanity branch to find out which programs may be available to them.
Veterans Home Repair and Rehabilitation
Aging residents in Texas who are also veterans can search for home repair or rehabilitation assistance through the U.S. Department of Veteran Affairs (VA). The VA administers all government-provided benefits for veterans.
Some of these benefits include housing assistance, with different programs offering a variety of options. For example, veterans may qualify for disability housing grants to help with their housing needs.
These grants provide money for disabled veterans to buy, rehab, or build a permanent home. Applicants must have a qualifying service-connected disability to participate in this program. The grant can provide up to $126,526 for disabled veterans who receive it in 2026.
Elder Options of Texas
Elder Options of Texas is an online hub for senior citizen resources in Texas. You can log on to the website and input your region to find all kinds of resources for local senior living. For example, the site allows seniors to find reverse mortgage resources. Using a reverse mortgage, senior homeowners can take cash out of their home equity to fund any needed home repairs.
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How to find county and city-specific home repair assistance for seniors in Texas
It can feel like a large task to search statewide for programs that help aging Texas homeowners get home repair assistance. Searching locally can help narrow down your search and may even uncover hidden programs specific to your area. Here’s how to find home repair help for seniors in these major Texas counties.
Harris County
The Harris County Community Development website provides a list of housing programs and services available to locals. One helpful program is the home repair program, which provides affordable housing and creates safe, suitable living environments for low-income, disabled, and homeless individuals.
To qualify, you’ll need to meet at least one requirement: being 62 or older, having a disability at any age, or having a disabled household member if you’re applying for accessibility improvements.
Travis County
The Travis County government website provides residents with a list of social services, including home repair assistance. Residents may be eligible for free weatherization repairs, which involve standard energy-efficiency upgrades. These include minimizing air leaks, adding solar screens, improving attic insulation, and sealing HVAC ducts.
The country also has a program offering free basic home repairs to eligible low-income residents. Repairs may include roofing repairs, HVAC updates, and improvements for Americans with Disabilities Act (ADA) accessibility.
Hidalgo County
Eligible low to moderate-income residents of any of the 17 member cities can apply for the Homeowner-Occupied Rehabilitation program in Hidalgo County. There are two types of financial assistance under the initiative.
One is the deferred loan program, which works like a grant to help you repair your home. Each year you stay in the house, part of the loan is forgiven. The other is a no-interest loan program that also helps cover home repairs. The repayment term may last up to 10 years.
Tarrant County
The Tarrant County Homeowner Assistance Repairs Program helps low-income homeowners fix essential issues in their homes, from minor repairs to major system failures like plumbing, roofing, or electrical problems. It also offers services like accessibility upgrades, including ramps, grab bars, and widened doorways, so residents can safely remain in their homes.
To qualify, you must have owned and lived in your home for at least a year, meet income limits, own and occupy the home, and be current on taxes and mortgage payments.
Dallas County
The Dallas County Weatherization Assistance Program helps low-income residents make their homes more comfortable and energy-efficient. It focuses on simple upgrades like adding insulation, sealing air leaks, and replacing and repairing windows and heating and cooling units.
To qualify, you’ll need to provide proof of all household income, earned or unearned, from the past 30 days, along with Social Security numbers and a valid ID for each household member.
Finding the home repair help you need in Texas
Texas has a wide variety of home repair assistance programs. Some help aging residents specifically, while others are available to a wider range of applicants.
If you are a senior citizen in Texas needing help with home repairs, compile a list of programs to apply for. Contact the local government in your city or county to find out if there are other programs not listed on their website.
DIY repairs can also be an option if you have a family member or friend who can help you. Check a local discount building store or salvage center for discounted building materials.
Find more tips and tricks for increasing your property value on the HomeLight blog. If you’re curious about your home’s current value, use our free Home Value Estimator to get an estimate in less than two minutes.
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